Cars, trucks, motorcycles, ATVs, boats and RVs in Tennessee and Florida. I shop multiple carriers on every renewal, so your rate keeps up with your record instead of drifting quietly upward.
Every auto policy is built from the same handful of parts. Knowing which is which is how you tell a good quote from a cheap one.
Pays for injuries you cause to other people. This is the number that protects your savings, not your car.
Pays for the other vehicle or the fence, mailbox or building you hit.
Repairs your vehicle after an accident, whoever caused it, minus your deductible.
Theft, hail, fire, vandalism, storm flooding and the deer that steps into the road.
Covers you when the driver who hit you has no insurance or not nearly enough.
Handles medical bills for you and your passengers. In Florida this is required personal injury protection rather than optional medical payments.
Tennessee's minimum liability limits have not kept pace with vehicle values or medical costs. One serious accident can exceed them fast.
Florida requires personal injury protection, which pays a portion of your own medical costs regardless of fault, and does not require bodily injury liability by default.
By recent estimates roughly one in five Tennessee drivers carries no insurance, which is what uninsured motorist coverage protects against.
A large share of Florida drivers carry little or no liability coverage, so uninsured and underinsured motorist coverage fills a real gap there too.
State minimum limits have not kept pace with vehicle values or medical costs. One serious accident can exceed them fast.
A few dollars a month keeps you moving while your car sits in the shop for a month.
If you owe more than the vehicle is worth, a total loss leaves you paying the difference without gap coverage.
A driver who uses the car occasionally still needs to be on the policy. Surprises here cause denied claims.
Your current declarations page, the VIN and mileage for each vehicle, and the license number of every driver in the household. With those three things I can quote several carriers on one call.
Fill in the auto form with your drivers and vehicles and I will shop it across my carriers.